Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term,
Read more »summary | Unit |
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Net Interest Income | EUR mil |
Total Revenues | EUR mil |
Operating Profit | EUR mil |
Net Profit | EUR mil |
186 | 175 | 195 | 203 | 208 | ||||||
221 | 251 | 273 | 272 | 289 | ||||||
78.7 | 83.2 | 112 | 105 | 117 | ||||||
40.1 | 78.2 | 63.1 | 66.2 | 74.6 |
Interbank Loans | EUR mil |
Customer Loans | EUR mil |
Debt Securities | EUR mil |
Total Assets | EUR mil |
Shareholders' Equity | EUR mil |
Interbank Borrowing | EUR mil |
Customer Deposits | EUR mil |
Issued Debt Securities | EUR mil |
20.4 | 40.3 | 42.2 | 54.9 | 47.9 | ||||||
3,986 | 4,132 | 4,249 | 4,581 | 5,464 | ||||||
1,515 | 1,484 | 1,736 | 1,860 | 1,897 | ||||||
5,795 | 6,028 | 6,285 | 6,799 | 7,766 | ||||||
650 | 649 | 660 | 678 | 704 | ||||||
906 | 678 | 309 | 516 | 798 | ||||||
3,583 | 4,076 | 4,250 | 4,523 | 5,074 | ||||||
246 | 305 | 750 | 811 | 823 |
6.11% | 12.0% | 9.64% | 9.90% | 10.8% | ||||||
0.696% | 1.32% | 1.02% | 1.01% | 1.02% | ||||||
2.47% | 2.84% | 2.62% | 2.56% | 2.37% | ||||||
64.4% | 66.8% | 58.9% | 61.6% | 59.6% | ||||||
3.23% | 2.96% | 3.16% | 3.10% | 2.86% | ||||||
84.3% | 69.7% | 71.2% | 74.5% | 71.9% | ||||||
20.4% | 18.5% | 18.4% | 19.6% | 18.9% | ||||||
44.4% | 41.0% | 41.4% | 42.1% | 44.4% | ||||||
11.2% | 10.8% | 10.5% | 9.97% | 9.06% | ||||||
111% | 101% | 100.0% | 101% | 108% | ||||||
68.8% | 68.6% | 67.6% | 67.4% | 70.4% | ||||||
6.51% | 4.39% | 4.90% | 4.55% | 3.72% | ||||||
67.8% | 59.2% | 52.8% | 54.8% | 64.7% |
income statement | Unit |
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Interest Income | EUR mil |
Interest Cost | EUR mil |
Net Interest Income | EUR mil |
Net Fee Income | EUR mil |
Other Income | EUR mil |
Total Revenues | EUR mil |
Staff Cost | EUR mil |
Depreciation | EUR mil |
Other Cost | EUR mil |
Operating Cost | EUR mil |
Operating Profit | EUR mil |
Provisions | EUR mil |
Extra and Other Cost | EUR mil |
Pre-Tax Profit | EUR mil |
Tax | EUR mil |
Minorities | EUR mil |
Net Profit | EUR mil |
246 | 243 | 248 | 250 | 248 | ||||||
59.5 | 68.5 | 53.5 | 47.2 | 40.2 | ||||||
186 | 175 | 195 | 203 | 208 | ||||||
45.0 | 46.5 | 50.3 | 53.2 | 54.6 | ||||||
-10.3 | 29.5 | 28.5 | 16.0 | 26.7 | ||||||
221 | 251 | 273 | 272 | 289 | ||||||
63.2 | 68.7 | 66.6 | 70.5 | 76.6 | ||||||
11.2 | 11.5 | 10.9 | 10.8 | 11.5 | ||||||
68.0 | 87.4 | 83.5 | 86.1 | 84.3 | ||||||
142 | 168 | 161 | 167 | 172 | ||||||
78.7 | 83.2 | 112 | 105 | 117 | ||||||
14.7 | 17.3 | 26.9 | 17.1 | 18.3 | ||||||
0 | 0 | 0 | 0 | 0 | ||||||
64.0 | 65.9 | 85.5 | 87.5 | 98.7 | ||||||
5.03 | 16.9 | 22.4 | 21.3 | 24.1 | ||||||
0 | 0 | 0 | 0 | 0 | ||||||
40.1 | 78.2 | 63.1 | 66.2 | 74.6 |
Net Interest Income Growth | % |
Net Fee Income Growth | % |
Total Revenue Growth | % |
Operating Cost Growth | % |
Operating Profit Growth | % |
Pre-Tax Profit Growth | % |
Net Profit Growth | % |
... | -1.04% | -6.17% | 11.2% | 4.18% | 2.68% | |||||
... | 8.04% | 3.17% | 8.25% | 5.88% | 2.53% | |||||
... | -12.7% | 13.4% | 8.98% | -0.507% | 6.43% | |||||
... | -4.85% | 17.7% | -3.96% | 4.01% | 2.98% | |||||
... | -24.1% | 5.78% | 35.1% | -6.98% | 12.0% | |||||
... | -2.86% | 3.03% | 29.7% | 2.32% | 12.9% | |||||
... | -32.4% | 95.0% | -19.4% | 5.01% | 12.6% |
9.04% | 12.0% | 11.8% | 11.1% | 12.7% | ||||||
... | 5.95% | 16.3% | 11.5% | 11.8% | 12.3% | |||||
12.7% | 12.8% | 12.4% | 12.7% | 13.2% | ||||||
5.61% | 6.77% | 6.82% | 6.59% | 6.61% | ||||||
5.93% | 0.905% | 6.97% | 6.76% | 6.82% | ||||||
3.83% | 5.63% | 5.81% | 5.39% | 5.21% | ||||||
13.2% | 13.2% | 14.4% | 14.5% | 14.3% |
balance sheet | Unit |
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Cash | EUR mil |
Interbank Loans | EUR mil |
Customer Loans | EUR mil |
Retail Loans | EUR mil |
Mortgage Loans | EUR mil |
Consumer Loans | EUR mil |
Corporate Loans | EUR mil |
Debt Securities | EUR mil |
Fixed Assets | EUR mil |
Total Assets | EUR mil |
Shareholders' Equity | EUR mil |
Of Which Minority Interest | EUR mil |
Liabilities | EUR mil |
Interbank Borrowing | EUR mil |
Customer Deposits | EUR mil |
Sight Deposits | EUR mil |
Term Deposits | EUR mil |
Issued Debt Securities | EUR mil |
Other Liabilities | EUR mil |
134 | 126 | 123 | 181 | 233 | ||||||
20.4 | 40.3 | 42.2 | 54.9 | 47.9 | ||||||
3,986 | 4,132 | 4,249 | 4,581 | 5,464 | ||||||
... | 2,042 | 2,311 | 2,508 | 2,833 | 3,313 | |||||
... | ... | ... | 1,361 | 1,521 | 1,681 | 1,923 | 2,169 | |||
... | ... | ... | 681 | 790 | 827 | 910 | 1,144 | |||
... | 1,815 | 1,691 | 1,500 | 1,491 | 1,850 | |||||
1,515 | 1,484 | 1,736 | 1,860 | 1,897 | ||||||
106 | 91.1 | 87.2 | 82.6 | 83.9 | ||||||
5,795 | 6,028 | 6,285 | 6,799 | 7,766 | ||||||
650 | 649 | 660 | 678 | 704 | ||||||
0 | 0 | 0 | 0 | 0 | ||||||
5,145 | 5,379 | 5,625 | 6,121 | 7,062 | ||||||
906 | 678 | 309 | 516 | 798 | ||||||
3,583 | 4,076 | 4,250 | 4,523 | 5,074 | ||||||
... | ... | ... | ... | ... | ... | 1,748 | 2,013 | 2,414 | ||
... | ... | ... | ... | ... | ... | 2,451 | 2,440 | 2,660 | ||
246 | 305 | 750 | 811 | 823 | ||||||
410 | 320 | 316 | 271 | 367 |
Non-Performing Loans | EUR mil |
Gross Loans | EUR mil |
Total Provisions | EUR mil |
272 | 186 | 214 | 214 | 208 | ||||||
4,170 | 4,242 | 4,362 | 4,699 | 5,599 | ||||||
184 | 110 | 113 | 117 | 135 |
Customer Loan Growth | % |
Retail Loan Growth | % |
Mortgage Loan Growth | % |
Consumer Loan Growth | % |
Corporate Loan Growth | % |
Total Asset Growth | % |
Shareholders' Equity Growth | % |
Customer Deposit Growth | % |
... | 16.3% | 3.68% | 2.84% | 7.82% | 19.3% | |||||
... | ... | 15.4% | 13.2% | 8.51% | 13.0% | 16.9% | ||||
... | ... | ... | ... | 17.5% | 11.7% | 10.5% | 14.4% | 12.8% | ||
... | ... | ... | ... | 11.4% | 16.0% | 4.63% | 10.1% | 25.7% | ||
... | ... | 12.1% | -6.83% | -11.3% | -0.577% | 24.1% | ||||
... | 0.942% | 4.02% | 4.26% | 8.19% | 14.2% | |||||
... | -2.18% | -0.077% | 1.63% | 2.78% | 3.79% | |||||
... | 3.18% | 13.8% | 4.26% | 6.42% | 12.2% |
10.9% | 11.1% | 10.8% | 11.0% | 12.0% | ||||||
... | 11.7% | 11.3% | 10.3% | 10.4% | 11.8% | |||||
... | ... | ... | 14.0% | 15.5% | 15.7% | 16.0% | 18.5% | |||
... | 11.9% | 12.3% | 12.2% | 12.3% | 12.8% | |||||
... | ... | ... | 11.0% | 11.1% | 11.0% | 11.1% | 11.0% | |||
9.83% | 10.1% | 10.3% | 10.6% | 11.2% | ||||||
8.93% | 9.62% | 9.59% | 9.82% | 10.1% |
ratios | Unit |
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
6.11% | 12.0% | 9.64% | 9.90% | 10.8% | ||||||
0.696% | 1.32% | 1.02% | 1.01% | 1.02% | ||||||
2.47% | 2.84% | 2.62% | 2.56% | 2.37% | ||||||
64.4% | 66.8% | 58.9% | 61.6% | 59.6% | ||||||
3.23% | 2.96% | 3.16% | 3.10% | 2.86% | ||||||
... | 3.10% | 2.82% | 3.06% | 3.02% | 2.80% | |||||
4.26% | 4.12% | 4.03% | 3.82% | 3.41% | ||||||
... | 1.16% | 1.30% | 0.973% | 0.803% | 0.610% | |||||
84.3% | 69.7% | 71.2% | 74.5% | 71.9% | ||||||
20.4% | 18.5% | 18.4% | 19.6% | 18.9% | ||||||
-4.67% | 11.7% | 10.4% | 5.89% | 9.23% | ||||||
3,122 | 3,088 | 3,192 | 3,198 | 2,935 | ||||||
2,246 | 2,405 | 2,404 | 2,481 | 2,561 | ||||||
44.4% | 41.0% | 41.4% | 42.1% | 44.4% | ||||||
11.2% | 10.8% | 10.5% | 9.97% | 9.06% | ||||||
111% | 101% | 100.0% | 101% | 108% | ||||||
68.8% | 68.6% | 67.6% | 67.4% | 70.4% | ||||||
6.51% | 4.39% | 4.90% | 4.55% | 3.72% | ||||||
67.8% | 59.2% | 52.8% | 54.8% | 64.7% | ||||||
4.62% | 2.67% | 2.66% | 2.56% | 2.46% | ||||||
0.397% | 0.427% | 0.642% | 0.387% | 0.365% |
other data | Unit |
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Branches | |
Employees | |
ATMs | |
Payment Cards | '000 |
Debit Cards | '000 |
Credit Cards | '000 |
Sight (As % Of Customer Deposits) | % |
137 | 140 | 136 | 137 | 135 | ||||||
2,346 | 2,381 | 2,308 | 2,368 | 2,493 | ||||||
254 | 263 | 261 | 262 | 264 | ||||||
300 | 310 | 326 | 332 | 351 | ||||||
269 | 36.0 | 290 | 296 | 315 | ||||||
31.3 | 34.1 | 36.0 | 35.3 | 35.7 | ||||||
... | ... | ... | ... | ... | ... | 41.1% | 44.5% | 47.6% |
This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking
Read more »This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital
Read more »This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.
In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CSOB Slovakia's market position in mortgage or consumer lending.
If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.
If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.
Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s
Read more »Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Until 2008, ČSOB Slovakia was a part of the Czech Republic-based ČSOB Group. In 2008, the new company Československá obchodná banka, a.s. (ČSOB Slovakia) was created under direct control of KBC Bank.
This report offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia
Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s
Read more »Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Until 2008, ČSOB Slovakia was a part of the Czech Republic-based ČSOB Group. In 2008, the new company Československá obchodná banka, a.s. (ČSOB Slovakia) was created under direct control of KBC Bank.
This excel file offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia
CSOB Slovakia's customer deposits reached EUR 6,052 mil in 2017, up 7.72% compared to the previous year.
Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year.
Read more »CSOB Slovakia's customer deposits reached EUR 6,052 mil in 2017, up 7.72% compared to the previous year.
Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year.
CSOB Slovakia accounted for 11.1% of all customer deposits taken by banks in Slovakia at the end of 2017. Historically, the bank’s market share in customer deposits reached an all time high of 11.1% in 2017 and an all time low of 5.71% in 2007.
That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.
You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.
CSOB Slovakia's customer loans reached EUR 6,576 mil in 2017, up 7.87% compared to the previous year.
Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year.
Read more »CSOB Slovakia's customer loans reached EUR 6,576 mil in 2017, up 7.87% compared to the previous year.
Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year.
CSOB Slovakia accounted for 12.5% of all customer loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in customer loans reached an all time high of 12.7% in 2016 and an all time low of 8.04% in 2007.
That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.
You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.
CSOB Slovakia's corporate loans reached EUR 2,118 mil in 2017, up 6.50% compared to the previous year.
Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.40% when compared to the last year.
Read more »CSOB Slovakia's corporate loans reached EUR 2,118 mil in 2017, up 6.50% compared to the previous year.
Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.40% when compared to the last year.
CSOB Slovakia accounted for 12.1% of all corporate loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in corporate loans reached an all time high of 12.9% in 2009 and an all time low of 10.3% in 2013.
That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.
You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.
CSOB Slovakia's consumer loans reached EUR 1,212 mil in 2017, up 5.35% compared to the previous year.
Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year.
Read more »CSOB Slovakia's consumer loans reached EUR 1,212 mil in 2017, up 5.35% compared to the previous year.
Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year.
CSOB Slovakia accounted for 12.8% of all consumer loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in consumer loans reached an all time high of 13.1% in 2016 and an all time low of 11.4% in 2010.
That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.
You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.